Hospitality Insurance Brokers | UK Business
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Hospitality insurance includes a variety of covers designed for businesses that work within the service industry
About hospitality insurance
As specialist hospitality insurance broker, we work on your behalf to identify cover designed for your specific needs. Below we take a closer look at potential risks to your business and the hospitality insurance available to protect your interests.
What is hospitality insurance?
Cover will typically include:
As a digital insurance broker, we have the online tools to obtain a range of quotes from the wholesale insurance market.
What activities can hospitality insurance cover?
Arranging insurance for your business doesn't have to be complicated. Whether you're a small business or a medium sized business with 250 staff, at get indemnity we can offer tailored insurance solutions to meet your needs.
Hospitality insurance brokers UK guide
The below guide identifies scenarios your organisation may face and the hospitality insurance available that can offer protection:
| What would happen if… | Hospitality Insurance: | What the coverage does: |
|---|---|---|
| Your business premises, equipment and stock were destroyed as a result of a fire. |
Protects the work in progress on a construction site in the event damage occurs as a result of an insured peril. |
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|
Your business was unable to trade as a result of a flood. |
Protects against the loss of income from being unable to trade as a result of the insured peril (i.e. property damage from a fire, flood or storm, ect). | |
|
A delivery of stock on route to a customer was damaged. |
Protect against damage to property in transit by vehicles owned by or operated by you, or the custody or control of a third-party carrier. | |
|
There was a power cut and your frozen and chilled stock was damaged. |
Protect against damage to property, being stock in any cold chamber, by deterioration or putrefaction in consequence of an insured event. | |
| Your licence to sell alcohol is withdrawn after issues with public nuisance, public safety or sale of alcohol to minors. | Will protect against the licence for the sale of alcohol being forfeited, suspended or withdrawn. Can cover the loss of gross income, depreciation in the value of the premises and reasonable expenses. | |
|
A customer is seriously injured and brings a compensation claim after falling over at your establishment. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
|
An employee is seriously injured at work after an altercation and brings a compensation claim against your business. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| An accident occurs with one of your delivery drivers at fault. | Protects from an accident causing damage or injury. Comprehensive cover will provide for damage to your car, van or haulage vehicle. | |
|
A cyber attack brings down your booking system and you are unable to take new bookings through the internet. |
Protects the company against financial loss arising from security and privacy breaches. Can cover first and third-party losses, including the subsequent loss of profits and increased costs. | |
|
There is an investigation by the Health and Safety Executive into the directors after a fatal case of a nut allergy. |
Protects the directors against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| An allegation of corporate manslaughter is brought against the company. | Protects the company against legal costs incurred in defending the allegation. | |
|
An employee claims sexual harassment against your business after an incident with their supervisor. |
Protects the company against legal costs incurred in defending the allegation; and damages from any award or settlement. | |
| You discover an employee has been stealing thousands of pounds of stock. | Protects the company against financial loss from the theft of property, money or securities by an employee. |
How can event cancellation insurance provide protection?
Adverse weather conditions or the venue inaccessibility are just a couple of the reasons why events are cancelled.
There are a range of options available for event cancellation cover, including loss of revenue or profit. Please contact us to discuss and we can identify a selection of options tailored to your business.
Hospitality insurance considerations
Whether you provide accommodation, food or drink in the course of your business, there are a number of financial exposures that can be mitigated with hospitality insurance.
However, it is worth considering additional liability insurance covers that can offer protection against significant financial shocks to the business and individual directors.
Please complete our online application to obtain your no-obligation quotes. If you are unsure which hospitality insurance best suit your business, contact us and we can discuss in detail.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.